Yes, you do. All employees must be covered. You are subject to major fines if you don't have it, AND, are fully responsible for all lost wages & medical payments, regardless of whether or not you carry it. Keep in mind, your HOMEOWNERS policy won't cover any of this; and if they find out you've got a full time employee working out of your home, they'll probably cancel the policy.
by mbrcatz - 9 hours ago
May I suggest hiring that individual as an "outside contractor"? You save yourself so much time and hassle (i.e. no workmans comp ins. needed). You are just starting out, you do not need the hassle of having an actual employee and all the costs that are associated with it.
by Eric - 9 hours ago
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